A serious illness can turn your world upside down.
If illness strikes, the last thing you need is money worries making things worse.
Critical illness cover pays out a tax-free lump sum if you're diagnosed with a specified serious illness.
It gives you the cash to pay down the mortgage, cover bills, and focus on getting better.
We'll help you find the right cover for free.
How we help:
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Free and friendly advice
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Identify the right policies for you
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Compare suitable insurers
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Find the best cover for your budget
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Handle the application form from start to finish
What is Critical Illness Cover.
Simple. You pay a monthly premium, and if you're diagnosed with a serious illness covered by your policy, it pays out a lump sum if you meet the policy's conditions.
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Pay off the mortgage
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Cover your everyday bills
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Replace lost income
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Pay for treatment or care
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Adapt your home or lifestyle
Because getting seriously ill shouldn't mean getting into serious financial trouble.
A serious illness can strike anyone, anytime.
We all worry about dying. But during our working lives, a serious illness may be a more likely threat.
Critical illness cover can provide a financial lifeline if you're diagnosed with a covered condition, such as:
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Cancer
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Heart attack
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Stroke
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Multiple sclerosis
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Major organ transplant
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Parkinson's disease
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Kidney failure
But here's the catch. Not all policies cover the same illnesses. And not all pay out under the same circumstances.
That's why critical illness cover needs seriously good advice.
We’ll help you choose the right type of life insurance.
There are several different options to protect the people you love.
Level term
The amount of cover stays the same throughout the policy.
For example, if you take out £300,000 of cover for 25 years, the policy could pay £300,000 whether you die in year one or year 24.
Decreasing term
The amount of cover reduces over time.
It's often used alongside a repayment mortgage because, broadly speaking, the amount you owe on your mortgage should also reduce over time.
Increasing term
The amount of cover increases over time, often in line with inflation.
This can help protect the real value of your cover as the cost of living rises.
And we’ll help you…
We’ll look at your mortgage, income, outgoings and the people who depend on you to help work out how much protection you need.
…choose the best provider
Price isn’t everything. We’ll compare cover, policy features, service and claims payout records to help you choose a quality insurer you can rely on.
…get the best possible price
We’ll compare suitable policies and providers to help you get the cover you need at the best possible price.
The golden rule:
Some cover is better than none.
If you can’t afford the ideal amount cover, protect what you can.
The golden rule:
Don’t judge on price alone.
Look beyond the premium at the quality of the cover you’re getting.
The golden rule:
Don't leave it too late.
The younger you are when you take out cover, the lower your premium is likely to be.
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